IFSC Code of UCO Bank, Jain Degree College Road Saharanpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to UCO Bank's JAIN DEGREE COLLEGE ROAD SAHARANPUR branch in SAHARANPUR, UTTAR PRADESH. The branch's IFSC code UCBA0002447 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For UCO Bank's JAIN DEGREE COLLEGE ROAD SAHARANPUR branch, the IFSC UCBA0002447 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002447 identifies this particular branch.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Jain Degree College Road Saharanpur branch in Saharanpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0002447.

About the Jain Degree College Road Saharanpur branch

The Jain Degree College Road Saharanpur branch of UCO Bank is situated at H NO. 2B 3030, PRADUMAN NAGAR JAIN DEGREE COLLEGE ROAD NEAR PRATAP CLINIC SAHARANPUR, ,SAHARANPUR ,UTTAR PRADESH PIN 247001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0002447 is used.

Branch details at a glance

Why every UCO Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JAIN DEGREE COLLEGE ROAD SAHARANPUR of UCO Bank — its own 11-character IFSC. The code UCBA0002447 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0002447 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by UCO Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCBA0002447 and the account number together uniquely identify the Jain Degree College Road Saharanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCBA0002447

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UCBA0002447 across all three.

How to use IFSC UCBA0002447 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's JAIN DEGREE COLLEGE ROAD SAHARANPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0002447.
4. Confirm the bank name auto-populates as UCO Bank and the branch as JAIN DEGREE COLLEGE ROAD SAHARANPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0002447

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to UCO Bank – JAIN DEGREE COLLEGE ROAD SAHARANPUR, ensure your bank's portal accepts IFSC UCBA0002447 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank JAIN DEGREE COLLEGE ROAD SAHARANPUR (IFSC UCBA0002447)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002447 in your mobile or internet banking app, and the money is credited to the JAIN DEGREE COLLEGE ROAD SAHARANPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0002447 for UCO Bank – JAIN DEGREE COLLEGE ROAD SAHARANPUR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Jain Degree College Road Saharanpur branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UCBA0002447

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at UCO Bank – JAIN DEGREE COLLEGE ROAD SAHARANPUR is still mapped to IFSC UCBA0002447. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UCBA0002447 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jain Degree College Road Saharanpur branch is mapped to IFSC UCBA0002447 on the RBI payments network. The branch generally supports the full retail product catalogue of UCO Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UCBA0002447.

Banking services available

The Jain Degree College Road Saharanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9927272648.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UCBA0002447

Online banking and IFSC UCBA0002447

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JAIN DEGREE COLLEGE ROAD SAHARANPUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UCBA0002447 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Jain Degree College Road Saharanpur branch

The branch is located at H NO. 2B 3030, PRADUMAN NAGAR JAIN DEGREE COLLEGE ROAD NEAR PRATAP CLINIC SAHARANPUR, ,SAHARANPUR ,UTTAR PRADESH PIN 247001, which puts it inside Saharanpur, the broader Saharanpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Jain Degree College Road Saharanpur branch” — the verified location pin for IFSC UCBA0002447 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9927272648 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0002447 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to UCO Bank – JAIN DEGREE COLLEGE ROAD SAHARANPUR:

• The IFSC is exactly UCBA0002447 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills UCO Bank as the bank name and JAIN DEGREE COLLEGE ROAD SAHARANPUR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Jain Degree College Road Saharanpur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UCBA0002447 continue to work without interruption.

Verifying IFSC UCBA0002447 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UCBA0002447 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9927272648.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0002447 belongs to UCO Bank's JAIN DEGREE COLLEGE ROAD SAHARANPUR branch, located at H NO. 2B 3030, PRADUMAN NAGAR JAIN DEGREE COLLEGE ROAD NEAR PRATAP CLINIC… in SAHARANPUR, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.